The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$30,753
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,709
−HK$972/mo
Today · 4.125%
HK$32,681
baseline
▲ 0.50% · 4.625%
HK$34,670
+HK$1,989/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,362/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,212
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,130
−HK$930/mo
Today · 4.125%
HK$36,060
baseline
▲ 0.50% · 4.625%
HK$37,961
+HK$1,901/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,120/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,903
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,051
−HK$1,166/mo
Today · 4.125%
HK$39,217
baseline
▲ 0.50% · 4.625%
HK$41,604
+HK$2,387/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,434/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,054
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,156
−HK$1,117/mo
Today · 4.125%
HK$43,273
baseline
▲ 0.50% · 4.625%
HK$45,553
+HK$2,280/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,546/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,054
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,393
−HK$1,361/mo
Today · 4.125%
HK$45,754
baseline
▲ 0.50% · 4.625%
HK$48,538
+HK$2,784/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$91,508/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,897
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,181
−HK$1,304/mo
Today · 4.125%
HK$50,485
baseline
▲ 0.50% · 4.625%
HK$53,146
+HK$2,661/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$100,970/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,355
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,077
−HK$1,749/mo
Today · 4.125%
HK$58,826
baseline
▲ 0.50% · 4.625%
HK$62,406
+HK$3,580/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,652/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,582
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,233
−HK$1,676/mo
Today · 4.125%
HK$64,909
baseline
▲ 0.50% · 4.625%
HK$68,330
+HK$3,421/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,818/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,745 · Scale 2, in force from 26 Feb 2026)